My name is on a car with my father. His name is on the insurance, mine isn't. If he were to get into an accident, drive drunk, damage something etc, could I be held accountable in any way? I'm just wondering, because if so then I want to take my name off the car. I live in Seattle, Washington USA. If you need any more info, please let me know. Thanks, Brittany Brydahl
No, if he is insured then the insurance will deal with it and since he has an authorized use of it, he'll deal with the laws. If your name is on the car and you're not insured when you get in an accident ... you may be in a bit of trouble if you live in the same household. You should put yourself on as secondary driver, else the insurance company may deny your claims.
I don't live in the same household and I believe I am listed as the secondary driver. I would never drive without having a license, I don't even have a permit, even though I'm almost 21. Sad, I know haha.
I am not sure on the specific laws in Washington, but in California the owner of the car can most certainly be sued for damage caused by anyone driving that car - and more importantly can be liable for those damages and made to pay even though it was just their car. I have personally sued the owners of a car when it was their son driving it when he caused my client injury. They were found responsible and paid. Do you have any idea what you are talking about? It would be odd for you to be insured to drive if you do not have a license to drive. That is usually something they ask about on the application. Although, there would be no reason they would not issue you a policy on the car itself. You should read your paperwork, and if you don't have it then you should request it and read it.